Calculate your loan-to-value ratio. Important for determining PMI, refinancing eligibility, and borrowing power.
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Enter Your Measurements
Results
Loan-to-Value Ratio
80.00
%
Equity
60,000
$
Equity %
20.00
%
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Formula
LTV = (Loan Amount / Property Value) × 100
How to Use This Calculator
How to Use
- 1
Enter the loan amount.
- 2
Enter the property value.
- 3
Get your LTV ratio and equity percentage.
Frequently Asked Questions
Frequently Asked Questions
What LTV do I need to avoid PMI?
80% or less. If you borrow more than 80% of the property value, lenders require PMI (mortgage insurance), increasing your costs.
Can I refinance at my current LTV?
Yes, with most lenders. Lower LTV makes refinancing easier. At 80% LTV or less, you have more refinancing options.
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About This Calculator
This calculator uses the formula: LTV = (Loan Amount / Property Value) × 100. All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.
Built and maintained by the CalcSmart team. Last updated March 2026.
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